Mortgage Loan Originator

First Farmers & Merchants Bank; Chattanooga (TN); Hybrid; USD 60,000 - 90,000; Full time

Job summary

First Farmers & Merchants Bank is seeking a Mortgage Loan Originator to lead in-market relationship building and drive mortgage lending growth in the Chattanooga area. You will guide clients through the loan process with clarity, presenting tailored financing options and delivering exceptional service.

The role emphasizes strong sales skills, regulatory knowledge, and collaboration with a high-performing team to expand our market presence while maintaining compliance and a focus on customer

Qualifications

• Strong communication and relationship building skills.
• Ability to analyze financial information and make sound recommendations.
• Knowledge of mortgage lending practices and regulations.
• Team oriented with excellent customer service.
• Sales oriented and able to manage multiple tasks.

Responsibilities

• Submit completed loan applications and documentation for processing.
• Monitor progress from application through post closing.
• Collaborate with Mortgage Loan Originator Assistant to ensure complete and secure files.
• Negotiate loan terms and structure financing packages.
• Present loan recommendations for approval per bank policies.
• Deliver proactive, high‑level service and communicate with clients.
• Build relationships with customers and real estate professionals.

Skills

Sales skills

Relationship building

Financial analysis

Mortgage lending knowledge

Communication

Multi-tasking

Team collaboration

Education

High School Diploma or equivalent

Job description

If you are unable to complete this application due to a disability, contact this employer to ask for an accommodation or an alternative application process.

Mortgage Loan Originator

Regular Full-Time Chattanooga

• Date: October 21, 2026
• Job Location: First Farmers and Merchants Bank, This position is responsible for business development and mortgage lending activities throughout the Chattanooga market. Hybrid work flexibility may be available; however, regular in-market presence and relationship‑building activities are required.
• Education Level: High School Diploma or equivalent
• Job Type: Full Time
• VEVRAA Federal Contractor
• Request Priority Referral of Protected Veterans

We’re seeking a dynamic Mortgage Loan Originator with strong sales abilities and a passion for building meaningful partnerships. In this role, you will take the lead in developing and nurturing new relationships with Real Estate professionals within your market—helping expand our presence and drive continued growth.

As an MLO, you’ll guide clients through the mortgage process with clarity and confidence, delivering exceptional service and crafting tailored financing solutions that support their homeownership goals. You’ll build long‑term client relationships, analyze financial information to recommend the best lending options, and collaborate closely with a supportive, high‑performing team.

If you’re a motivated salesperson who thrives on relationship‑building, strategic thinking, and helping clients achieve their dreams, this is the opportunity to grow your career and make a meaningful impact.

What You’ll Do

Manage the Loan Process

• Submit fully completed loan applications and documentation for processing.
• Monitor progress and keep clients informed from application through post closing.
• Partner with the Mortgage Loan Originator Assistant to ensure all files are complete, accurate, and properly secured.

Structure & Present Loan Solutions

• Negotiate loan terms and structure financing packages based on risk and credit considerations.
• Present loan recommendations for approval in alignment with bank policies.

Deliver Exceptional Service

• Support the bank’s relationship focused culture with strong product knowledge and proactive communication.
• Build positive relationships with customers, prospective clients, and team members.

Be a Team Player

• Help coordinate workflow and contribute to a supportive team environment.
• Champion department and company goals with a collaborative mindset.

Stay Compliant

• Follow all company policies, procedures, lending regulations, and industry standards.

What We’re Looking For

• Strong communication and relationship building skills
• Ability to analyze financial information and make sound recommendations
• Knowledge of mortgage lending practices and regulations
• A team oriented approach with a commitment to excellent customer service
• Sales oriented and comfortable managing multiple tasks